Get in the Medicare Groove: Enrollment Season Is Near!

It’s that time of year again, Washingtonians—Medicare Open Enrollment is just around the corner! If you are over age 65, you may qualify for a Medicare plan. Medicare open enrollment is from October 15 to December 7, 2025. Medicare beneficiaries in the District can review, switch, or update their coverage for plans that begin January 1, 2026.

Whether you’re considering looking for a new plan or reevaluating your Part D prescription drug coverage, this is your annual opportunity to make sure your health care plan fits your needs—and your budget.

What You Can Do During Open Enrollment

The Annual Enrollment Period (AEP) allows you to:

• Switch Medicare Advantage plans or move from original Medicare to Medicare Advantage.
• Join, drop, or change your Medicare Part D prescription drug plan.
• Compare new plans that may offer better coverage or lower costs.

Even if you’re happy with your current plan, it’s smart to review it. Plans often change their premiums, copays, provider networks, and drug formularies yearly. What worked for you in 2025 might not be the best fit in 2026.

Why It’s Important to Review Your Plan

Several factors make this year’s review especially important:

• Plan Changes: Many Medicare Advantage and Part D plans are adjusting their benefits and costs. For example, the Part D out-of-pocket maximum will increase to $2,100 in 2026, and the deductible will rise to $615.
• New Options: Providers like Aetna and UnitedHealthcare are expanding their coverage areas, including in Washington, DC, potentially offering more choices for District residents.
• Your Health Needs: If your medical needs have changed, a different plan might offer better coverage for your prescriptions, specialists, or services.

Resources to Help You Choose Wisely

Navigating Medicare can feel overwhelming, but you don’t have to do it alone:

• Visit the AARP Medicare Open Enrollment at (https://www.aarp.org/medicare/) for articles, tips, and tools.
• Use Medicare’s Plan Finder at Medicare.gov to compare plans based on cost, coverage, and ratings.
• Contact DC’s State Health Insurance Assistance Program (SHIP) by phone at (202) 727-8370 for free, unbiased counseling tailored to your situation.

Protect Yourself from Scams

Unfortunately, open enrollment season can also attract scammers. Here’s how to stay safe:

• Guard your Medicare number—never share it with anyone who contacts you unexpectedly.
• Be skeptical of offers for “free” medical equipment or services unless prescribed by your doctor.
• Review your Medicare statements regularly and report suspicious activity to your provider or call 1-800-MEDICARE.

Medicare Open Enrollment is your chance to take control of your health care. Whether you’re looking to save money, get better coverage, or simply stay informed, now’s the time to get in the groove and ensure your plan is working for you.